to the big banks, two local businesses would not have gotten kicked out to move chase in. many of my neighbors and i do not see national banks as a desirable neighborhood business. now with their drive for excessive profit in district of practices that played a part in the economic downturn of our country and the world. besides, we already have the bank of america around the block and a chase a blocks away. i would, however, welcome a credit union branch, which are community-focused and not for profit, for my neighborhood. let's follow the spirit and letter of regular retail wall and make sure that the community has and that when national banks want to move into our neighborhood. once again, we can in good -- include financial services without a legislative fix and by falling current legislation. thank you. president olague: thank you. >> good afternoon. dean preston. before i go into the issue of banks and the planning department interpretation, i want to take a step back and recognize that we're very fortunate to have a formula retail law in san francisco. and a due to s